have a look at the auto application, it asks 6 years, and like i mentioned in my last post if the company has a higher star rating and you are 9 years accident free, you could get that preferred rating...can't make it more clearer than that...

have a look at the auto application, it asks 6 years, and like i mentioned in my last post if the company has a higher star rating and you are 9 years accident free, you could get that preferred rating...can't make it more clearer than that...

Great. So we can both agree that at fault accidents within the past 9 years (not just the past 6) can have an impact on your insurance rate depending on the insurance company.

After an accident (i.e. a minor one with no injury), when it comes to a he said/she said situation with no witnesses, aside from the damage on the actual cars themselves, what is used to determine fault, or is it typically 50/50? I know that the fault determination rules say that it will be 50/50 if the state of the traffic lights cannot be proven, but what all would be taken into consideration? Do driving records/experience come into play at all?

there is an ins thread for ins questions...
but to answer your question, yes; however, each insurer will still know about each other as you must disclose this information on the auto application and it will also be seen on the auto plus report.

Not really demerit points related, but I didn't want to create a new thread for a simple question:

My apartment and work is about 2 hours away from my primary address. My primary address is my mom's place, and I visit usually once a month. I have my insurance set there (as well as my driver's license, billing addresses, etc), as I never intended to live in my current apartment for as long as I have. I'll still be at this apartment for the foreseeable future however. Is this an issue? Should I immediately change my address in order to avoid problems?

Thank you.

Edit: I called the insurance company a few days ago and it turns out that they just changed the roaming area so that I'm priced for the city I'm in most of the time rather than my primary address.